Payment Skip Pay

ℹ️ On October 6, 2022, mallpay became Skip Pay. Apart from the name, everything remains unchanged. However, the eAPI section here on the wiki and the API code still uses mallpay (operation names and parameters). The methods for mallpay (or Skip Pay) are still fully functional.

Why offer Skip Pay to your customers?

Skip Pay is safe, reliable, simple, and completely free for customers. It fully replaces cash on delivery and helps remove the uncertainty associated with online shopping. Customers usually find Skip Pay in the basket among other payment methods; however, it can also be displayed earlier, for example in the product detail.

The customer chooses to pay via Skip Pay with one click. In the vast majority of cases, the request is then approved and the customer is redirected to the Skip Pay environment to complete the order. In this way, he does not come into contact with the payment gateway at all, which in this case only handles the exchange of information between the e-shop and Skip Pay, specifically the payment settlement relevant to the merchant.

The customer takes delivery of the purchase according to the chosen type of transport (at the point of delivery or directly from the carrier) and then pays for the order within 30 days in the Skip Pay Customer Zone. The customer can pay by card, bank transfer or Skip Pay button.

General Terms and Conditions of Skip Pay

• Skip Pay is only available to an adult natural person who is not restricted in his/her legal capacity.
• By purchasing goods on the e-shop, the customer concludes a purchase contract with the trader ("Purchase Contract") within the meaning of the relevant provisions of Act No. 89/2012 Coll., the Civil Code, as amended.
• The maximum limit for the first purchase is CZK 5,000, and further purchases can reach a maximum of CZK 10,000 in total.
• The customer can make unlimited purchases up to his/her limit, even repeatedly or at the same time on different e-shops.

User Experience

A customer can have any number of orders up to their allocated purchase limit. The order is always due 32 days from the date of dispatch of the goods (due date 30 days + 2 days for delivery). All orders can be paid under one variable symbol. The return period remains the statutory 14 days from delivery of the goods.

Skip Pay Customer Zone: After completing registration with Skip Pay, customers gain access to a secure environment where they can keep track of all their Skip Pay purchases. Customers can register and choose one of the free Skip Pay packages by entering their first name, last name, email and phone number on the registration page. A link will then be sent to the email provided to complete the registration where they will choose their Skip Pay Customer Zone access password. The password must be strong, secret and specific enough to provide maximum security for access.

The e-mail address used as a login is also used for communication with the customer. The entered phone number is also used (in addition to communicating with the customer) to authorize purchases. If we do not know it from a previous order, the phone number must be verified.

The customer zone allows the customer to see:

• Skip Pay payment/order overview (product detail, information),
• the financial value of orders,
• due dates, payment instructions,
• personal data (e-mail, telephone, national, billing or delivery addresses),
• the currently agreed and valid GTC,
• various marketing promotions including referral program and Rewards (collecting points for purchases).

Why is Skip Pay an interesting service for your e-shop?

Skip Pay allows merchants to sell goods to undecided customers without the risk of non-payment. Skip Pay takes this risk.

The merchant will enable Skip Pay on their website. If the customer uses it and is approved on the Skip Pay side, the full amount (the value of the order including shipping and other fees) is then credited to the merchant within two business days of receipt of information about the shipment of goods or the availability of the service. Any claims or returns are then dealt with in the standard way as for purchases with a regular payment method.

The advantage of this service is its integration among other payments in terms of integration and subsequent settlement. A standard eAPI payment gateway is used for communication and status transfer. The money for orders is sent to your bank account (just like card payments, for example), and the statements have the same format and data structure. Thanks to this, you can easily integrate Skip Pay into your e-shop's financial processes.

Skip Pay Financial Principles

Provision of a free tied loan

• The operator of the e-shop or shop has a cooperation agreement with Skip Pay.
• In the purchase process, the customer chooses to pay the purchase price through a Deferred Payment credit. Skip Pay performs a scoring of the Customer for the purpose of assessing the credit risk associated with the provision of the Deferred Payment consumer credit and, where applicable, AML identification.
• If the Customer is approved by Skip Pay, a purchase contract is concluded between the Customer and the Merchant.
• Approval of an Order by Skip Pay is a promise of future payment to the Merchant if the logistical status of the Order is notified.
• Orders are reimbursed to the Merchant as part of the daily billing from the payment gateway CSOB, Skip Pay includes in the billing of the Order within two working days after notification of the logistical status of the order (shipping of the order).
• The order is paid for in full, i.e. including transport, additional services, discounts and vouchers if applicable, the Merchant is therefore paid for the order in full.
• Skip Pay guarantees payment of Orders and assumes the risk of non-payment by the Customer.

Setting the inclusion in the billing according to logistics conditions

The logistics status for Skip Pay is the point at which Skip Pay includes Orders in the billing. Logistical status means the moment of shipment (the moment the purchase/shipment leaves the merchant's warehouse or the moment the shipment is handed over to the carrier). The transmission of logistics information is anchored in the contractual setup. By entering into a contract, the merchant agrees to transmit this information to Skip Pay via the payment gateway.

Cancellations, Returns & Claims - Best Practices

Customer requests cancellation of an order or cancellation of an item: Customers are of course free to cancel items from an order, as is the merchant if an item happens to be out of stock. The merchant should forward this information via the CSOB payment gateway to Skip Pay, just before the moment of shipping (in case of cancellation of an item). The merchant then technically calls cancellation on the order. On a "partial pick", the merchant passes on the information which items they have shipped or delivered.

Customer was returning goods but had already paid for the order Skip Pay: This situation can occur if a customer pays for a purchase but changes their mind within the statutory 14 day period. Once the merchant has passed on the return information to us and financially settled with Skip Pay, an overpayment is incurred on the order from the customer's perspective. The Skip Pay customer service centre contacts the customer with this information, requests an account number and the Skip Pay finance department sends the payment back to the customer.

The customer did not take delivery: In the event that the customer does not collect the goods, the parcel should be returned to the e-shop, which considers the item as a standard return. Since the transaction communication for Skip Pay goes out to the customer with a reminder of the approaching due date, the customer usually contacts Skip Pay with this information. Skip Pay verifies the fact with the merchant and adjusts the order internally so that the customer no longer misses the communication. It then awaits confirmation of the Refund and Financial Settlement information between Skip Pay and the merchant.

Commission billing

• Once a month, Skip Pay invoices the e-shop a fee for using the service, which is calculated as a percentage of the payment volume.
• The fee is agreed individually with the merchant and included in the ACQ Agreement for the acceptance of payment cards and other payment methods.
• The difference between being charged for using Skip Pay and using a payment gateway is that the payment gateway automatically deducts fees from card transactions and other transactions and credits the merchant's account net of fees. The Skip Pay usage fee is only paid by the merchant upon invoice from Skip Pay, i.e. by a regular money order.
• We will send the invoice to the contact you provide (usually your company's finance department).

Documents and other requirements

• The customer receives an invoice for the goods from the e-shop.
• The customer pays orders under the VS communicated by Skip Pay (transaction emails), the payment information can be found directly in his Customer Area in Skip Pay.
• If the customer returns the order or part of it (withdraws from the Purchase Agreement within 14 days) or makes a claim, then the e-shop issues a so-called credit note (accounting document against the original invoice).

Particulars of the invoice

a) On the receipt is marked: payment method: skip pay, bank connection: merchant's account

Particulars of a credit note

a) The invoice is marked with: payment method: skip pay, bank connection: merchant's account, credit note is issued in the Customer's name (the same as the Customer's name on the invoice

b) The credit note should be delivered to the Customer electronically (usually via e-mail, if the return is delivered by the carrier directly to the warehouse), or issued in person (if the Customer returns or claims the goods directly at the outlet).

Detailed description of the order processing and request state transitions

Create a request (order) and redirect to Skip Pay

The merchant creates a request (customer order) using the mallpay/init on the eAPI gateway. Unlike other methods, the merchant has to submit detailed information about the customer (personal data) and their purchase (cart items). Setting up a transaction on the gateway and creating a Request in Skip Pay results in redirection parameters for the merchant. The merchant then redirects the customer to the Skip Pay payment environment. From the moment of creation, the transaction is in status 2 - "Payment in progress".

Processing of the application

The customer goes through the Skip Pay approval process in the Skip Pay environment. The merchant is waiting for the result, the transaction is still in status 2 - "Payment in progress". The result of the processing of the Request is its approval or rejection by the Skip Pay system. The time to evaluate the Request is set by default in the parameterization of the Skip Pay payment method. The timeout for the possibility to complete the Request is set to 12 hours, i.e. during this time the customer is able to return to the order, for example if he misses to fill in some data or does not want to complete the Request on his mobile. The merchant can shorten this timeout in the transaction init if needed (typically for fast moving items - groceries). Most customers complete the request within tens of seconds, they just authorize the order with a SMS code sent by Skip Pay or via the Skip Pay mobile app.

Approval, denial or expiry of the application

After the approval or rejection of the Request, the customer is redirected from the Skip Pay environment via the payment gateway back to the e-shop. In case of rejection, offer the customer another payment method. If approved, the transaction goes to status 4 - "Payment Confirmed" and the merchant begins to handle the logistics of the shipment - personal pickup, handing over the shipment to the carrier, or in the case of virtual goods/services, direct delivery. Skip Pay's approval of the Order is a promise of future payment to the Merchant if the logistical status of the Order is communicated. This may also result in the Request not being completed if the Customer does not complete (abandon) the Order. In this case, the transaction will go to status 3 ("Payment Cancelled" if the Customer has cancelled the processing of the Request in Skip Pay and returned to the e-shop) or 6 ("Payment Denied" if the Customer has completely left Skip Pay and the Request has expired after the time limit) on the payment gateway. If the customer cancels the processing of the Application, they are redirected to the e-shop. If the customer does not return to the e-shop before the lifetime of the transaction expires, the merchant will check the current status of the transaction using the payment/status function after this time.

Handover of logistics status

The merchant must then forward the payment gateway using the mallpay/logistics information about the pick-up or delivery of the purchase to the customer. The call includes identification of the items in the shopping cart. If the merchant delivers only part of the purchase, the logistics call identifies the items that were actually shipped to the customer. The merchant passes the logistics information at the time of shipment. This information is anchored in the contractual settings. Successful transmission of the dispatch information takes the transaction to state 7 - "Awaiting settlement".

The trader can also enter the logistics status manually in the system. He sends the shipped status, the payment gateway then passes this information to Skip Pay. This record triggers the Order payment process in Skip Pay as well as the transmission of logistics information via the Skip Pay API.

ČSOB POS Merchant: The merchant sends the status sent. The payment gateway then forwards this information to Skip Pay. This record then triggers the Order payment process in Skip Pay as well as the transmission of logistics information via the Skip Pay API.

Once the transaction is settled by Skip Pay and the transaction amount is ready to be transferred to the merchant's account, the transaction goes to status 8 - "Payment Cleared".

Skip Pay Transaction Status Recap

Cancellation of the request (order)

The merchant can only cancel a Skip Pay request if the customer changes something in his/her order (number of items, shipping method) or if the merchant discovers that the items in the order are not in stock and will not be in stock (out of stock). The request for cancellation of the order must be sent by the trader before sending the logistics status. Cancellation is done using the function mallpay/cancel in eAPI and the trader will provide the mandatory reasons for cancellation (see technical specification).

Returns and Claims

Information about unclaimed, returned or claimed goods can be processed through the functionality mallpay/refund payment gateway (refund is used after the order has been shipped). Settlement of returns is processed at the level of the daily payment gateway settlement:

• Cancel is used before shipping the order. If the order has been dispatched and therefore refunded, use refund.
• For unclaimed, returned or claimed orders, the merchant does not send money, but the amount paid is reduced from the payments received at the payment gateway in the daily settlement.
• Funding under the mallpay/refund transactions may be reduced by shipping, handling, etc. - i.e. the refund may be partial and the amount refunded may not equal the total transaction amount (Order amount).
• The payment gateway ČSOB informs Skip Pay about this fact.
• In case of payment via Skip Pay, the e-shop may never refund the customer.
• If the e-shop does not use the Refund functionality, then returns, claims and unclaimed shipments are handled manually through the ČSOB POS Merchant admin.

Data protection and GDPR

For orders with a valid Skip Pay payment, the merchant and Skip Pay Ltd. become the data controller of the customer data. The customer agrees to the terms and conditions of the merchant's GTC, ideally containing information about Skip Pay. Skip Pay Ltd. does not interfere in any way with the right of withdrawal from the Purchase Agreement or any other agreements between the Customer and the e-shop.

• We recommend that merchants display both the T&Cs and the Skip Pay Payment Information Memorandum to customers in the shopping cart to the best of their ability, either directly when selecting a payment method or during the overall confirmation and completion of the order in the merchant's cart. Therefore, it is ideal to incorporate the terms of service into your T&Cs and URL link to them.
• Consent is optional in the technical call, if the merchant does not provide us with customer consent, the Skip Pay gateway will request "direct" customer consent here.

Here you will find the current General Terms and Conditions (GTC) and Information Memorandum.

Client and purchase Data

Skip Pay requires the merchant to submit the following customer and purchase information:

Customer information

• Name and surname
• E-mail
• Telephone number

Order information

• Order Number
• Total price including VAT
• Total VAT broken down by rate
• Address (delivery and/or billing address, at least billing address is required)
• Country
• City
• Streets
• House number and postcode

Purchase information - for each item

• Code
• Item name
• Total price per item
• VAT on the total price of the item

How does Skip Pay communicate effectively on your e-shop?

The offer and display of available payments at merchants is variable. The Skip Pay payment can be displayed only in text with the name of the payment (Skip Pay), a logo or for example the sales claim of the payment "Buy now, pay in 30 days", "Pay in 30 days", "View, try and pay in 30 days", etc. Always consult with us in advance for specific claims. We recommend merchants to promote the service in product details, payment methods and on the homepage of the e-shop after Skip Pay integration. It is ideal to create a microsite directly on the e-shop about Skip Pay, where the service will be described in more detail. We are happy to help with the design and content of the page, contact us at [email protected].

What to watch out for when implementing or the differences between Skip Pay and card transactions

Thanks to the integration of Skip Pay into the ČSOB payment gateway, the differences between card payments and Deferred Payment are minimal. From a technical point of view, the merchant has to transmit slightly more data, but from a procedural point of view, longer payment processing times have to be expected.

Differences of Skip Pay versus card transaction:

• Create a transaction using the function mallpay/init requires the customer and purchase information to be transmitted.
• The transaction can have a lifetime of up to 12 hours (card 30 minutes) and can be cancelled during the transaction using the mallpay/cancel (not possible with cards).
• It is necessary to send information about the dispatch of the purchase using the function mallpay/logistics or by entering it in ČSOB POS Merchant. Without the shipping information, the transaction will not be refunded.
• In functions mallpay/logistics a mallpay/refund it is necessary to identify the purchase items that were included in the creation of the transaction by the function mallpay/init.
• Skip Pay has an impact on the invoicing processes for credit notes (see document requirements).
• Under no circumstances is a refund of a Skip Pay purchase permitted other than by entering a refund transaction using the mallpay/refund payment gateway, or to the ČSOB POS Merchant.
• Transaction payments (Orders) are credited to the merchant's account one to two days later than credit card payments. Payments are made in full, fees are not automatically charged. Skip Pay fees are invoiced once a month and the merchant pays the invoice by regular bank transfer.
• If in your integration you are binding "order paid" to state 7 (because you are using automatic card closing and the transaction jumps from state 2 directly to state 7), beware that in the case of Skip Pay, state 4 "Payment confirmed" is relevant (i.e. the same as in the case of manual card closing).

Testing and integration

Once the integration of the card payment gateway features into the e-shop is complete and integration tests have been performed, proceed with the integration of Skip Pay-specific features:

1. mallpay/init to create a Payment Request via Skip Pay,
2. mallpay/logistics to forward information about the shipment or delivery of your purchase,
3. mallpay/cancel for the ability to cancel a Skip Pay payment in progress (before the shipping information is transmitted),
4. mallpay/refund for the refund including the parameters of the reason for the refund.

You can test the integration in the payment gateway integration environment (iGateway). The processing of test transactions does not take place directly in the Skip Pay system, but in a test simulator on the payment gateway, where you can choose for each test transaction how it should be processed (approval of the Request, rejection, return of the customer to the e-shop). Please test your integration on all these results and create at least one test transaction and let it expire (to speed up the tests you can set a minimum value of ttlsec in the call in this case mallpay/init).